When do I get a Closing Disclosure?

By law, you must receive your Closing Disclosure at least three business days before your closing.  


Read your Closing Disclosure carefully. It tells you how much you will pay for your loan. Our interactive sample Closing Disclosure helps you double-check the details and get definitions for terms used on the form.


You won’t receive a Closing Disclosure if you applied for a mortgage prior to October 3, 2015, or if you're applying for a reverse mortgage. For those loans, you will receive a final Truth in Lending disclosure and a HUD -1 Settlement Statement. Lenders are not required to send you these closing documents in advance of closing. However, if you request to see a copy of your HUD-1, you can review it at least one business day before closing. If you are applying for a HELOC, a manufactured housing loan that is not secured by real estate, or a loan through certain types of homebuyer assistance programs, you will not receive a GFE or a Loan Estimate, but you should receive a Truth-in-Lending disclosure.  

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